NELNET, INC.
Consumer Complaints
There are over 3518 complaints on file for NELNET, INC.. Dated between 2019-12-10 and 2012-03-07.
Complaints Page 20
2019-05-17
Turners Sta, KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: XX/XX/XXXX - Submitted application to Nelnet for income-driven repayment plan. They said that my first payment would be in XXXX and that they would send the details of the repayment along with the first bill in late XXXX or early XXXX. Their estimation on the amount I would owe at the time was {$130.00} and some change.
XX/XX/XXXX - Notice of past due amount of {$3000.00} plus next bill for a total of {$6100.00}. I called them and asked what was going on and they said that they couldn't read my pay stub from the application I sent in in XXXX and I asked why they didn't notify me of this when they realized the problem. They said a notice should have been sent out ( it wasn't ) but that they would defer the bill ( I didn't even make that much money a month at the time ) so that my account was current and to submit a new pay stub. I submitted a pay stub that night. I also increased the contrast and the resolution of the pay stub so that it was crystal clear, even on a low-resolution monitor.
XX/XX/XXXX - Receive 18 notifications ( one for each loan ) that my loan went into forbearance until XX/XX/XXXX. Due to something else going on in my life, I left it as this until I took care of the personal issues I had going on.
XX/XX/XXXX - Contacted Nelnet about why my loans went into forbearance. This was now affecting one of the personal issues previously mentioned and I explained that it was holding me up on other things going on in my life and I just wanted to start payments as soon as possible. They said the only note they had on file was that they couldn't read my pay stub from before. I asked if they could look at the two pay stubs I submitted to see if they could read them after I explained what happened the first time and that the contrast/resolution was increased so there shouldn't have been a problem reading the numbers. They said it was still blurry, but readable. At this point, she said I would also have to submit another pay stub for the income-driven repayment plan since they have to have a pay stub that is within the last 90 days. At this point, I had started a new job and my income increased significantly. This caused my estimated payment to balloon to {$760.00} per month.
XX/XX/XXXX - I resubmitted the application and new pay stub.
XX/XX/XXXX - I received multiple notifications. They said that my income-driven plan was approved, but each one said something different. The first one I opened said, " Your monthly payment amount for qualifying loans will be {$650.00} for 12 months, beginning XX/XX/XXXX ... '' The second one I opened said, " Your monthly payment amount for qualifying loans will be {$1000.00} for 12 months, beginning XX/XX/XXXX ... '' The last one I opened said, " Your qualifying federal student loans are now on an income-driven repayment plan. You indicated on your application that you do not wish to begin making payments on your loans until your current deferment or forbearance ends. Your next payment for Group A is due on XX/XX/XXXX ... '' I looked at the application I submitted and it was very clearly marked that I wanted to start making payments immediately. Even if it was " blurry '' as they claimed my pay stubs were, it was very clear which of the options I had chosen. At this point, I had already accrued over {$13000.00} in interest.
I called Nelnet again and explained the situation and asked why my loans stayed in forbearance when it was very clearly marked I wanted to begin payments immediately. The lady I spoke to couldn't give me any answers and put me on hold on 3 separate occasions to contact other people about what was going on. The answer she gave me was that within 10 business days, I should receive a notification and a bill that my loans were in repayment and that, after confirming with me, that I would like to make my first payment on XX/XX/XXXX.
XX/XX/XXXX - 10 business days later, my loans are still in forbearance with no correspondence as to what is going on with my loans. At this point, I'm pretty convinced they are pushing this off so that they can make more money off me through the thousands of dollars of interest I am accruing. Dealing with Nelnet has been an absolute nightmare.
Company Response: Closed with explanation
2019-05-17
AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Changed payment plan several years ago to IBR. First PAYE then REPAYE. My balances have almost doubled although I've never missed a payment. Customer service can never explain why and the payment plans make no mention of this. How can this happen? I am on a payment plan because I'm a single mother of a severely XXXX child. By the time loan forgiveness hits on these so called plans I might owe hundreds of thousands of dollars. Nelnet is my serving company.
Company Response: Closed with explanation
2019-05-16
Woodland Hills, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-05-16
Atlanta, GA
Unable to get your credit report or credit score
Student loan: Federal student loan servicing
Other problem getting your report or credit score
Complaint: The school was fraudulent. The loan is supposed to be forgiven, its negatively impacting my credit. I'm in the process of purchasing a new home, and I need this debt to be removed.
Company Response: Closed with explanation
2019-05-16
Hollywood, CA
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2019-05-16
Council, NC
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I was late 3 months in a row for 6 different loans at NELNET without knowledge of having to start paying. That's 16 late payments that make my credit look really bad. I was currently XXXX and XXXX XXXX to my XXXX child. The dates of these late payments are XX/XX/2017, XX/XX/2017, XX/XX/2017. I was for sure that the loans were still in forbearance at the time.
Company Response: Closed with explanation
2019-05-15
Dallas, TX
Written notification about debt
Debt collection: Federal student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-15
Dania, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-05-15
UNITED
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-05-15
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-05-14
Monroe, NC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-05-14
Euclid, OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: My current loan was in forbearance until XX/XX/2019. There is a letter posted to my account by the lender ( servicer ) stating repayments were to begin in XX/XX/2019. In XX/XX/2019 and XX/XX/2019, payments were debited from my account. My account overdrafted due to these payments being withdrawn from my account. The overdraft fee is {$37.00} per day. I provided the servicer company with my state assistance information, which they declined to accept. I asked why my payments began before the stated date of XX/XX/2019. I was advised that the money was owed to the company. The payments were to begin XX/XX/2019. On XX/XX/XXXX ( today ), 2019 another payment was debited. Now they are debiting early from my account. This occurred in violation of the letter the servicing company provided to me.
The loan states that the XXXX XXXX XXXX is the school I attended. I never attended school there.
I have been unemployed for XXXX years due to health issues. I am currently awaiting a decision on XXXX and have been on state XXXX and food assistance during this time. I have provided documentation in the past proving this. Nelnet now says that this is not acceptable documentation.
Company Response: Closed with explanation
2019-05-13
Wake Forest, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-05-13
Hinkley, CA
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: Nelnet is reporting my credit as Current was 120 days delinquent. I had called Nelnet about my accounts. I was going to school at the time and informed them of that. They said they had never heard of the school. I went to the school and had a deferment paper sent to them. I followed up with Nelnet and they said they couldn't find the school in their system. I had to go back to the school and get another paper from the school to show I was enrolled. Nelnet refused to take it via email or fax. I had to mail it to them. While I was doing all this I was told that my account would not show as delinquent once I established that I was in school at the time. When they got they finally the paper they now show me as current but previously delinquent. I am struggling to get housing because of this late reporting.
Company Response: Closed with explanation
2019-05-13
Hinkley, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: Attended XXXX College and XXXX College - XXXX made many promises about helping me to get employment and or counseling for employment and they were shut down for fraud and were not able to fulfill all their promise. XXXX College promised me that they were not shutting down and one day I showed up and the doors were locked. I have informed Nelnet of this and applied for loan forgiveness based upon fraud. I have called several times and they said they never received my application so I did it again. I called and they stated they didn't get it so I had to resubmit again. I called and they stated they didn't get it so they sent me another one. I can not seem to get them to accept an application for cancelation. There is excuse after excuse that they did not receive my application. I have looked at the qualifications for cancelation and believe that I am eligible. I am contacting my local congressman as well.
Company Response: Closed with explanation
2019-05-12
New Orleans, LA
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Company Response: Closed with explanation
2019-05-12
Simi Valley, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: In XX/XX/XXXX, I took out a private education loan of {$18000.00} from XXXX. I was attending XXXX XXXX XXXX XXXX of California. The account was opened on this XX/XX/XXXX. It was a 120 month, 10 years loan.
I was never late with payments. On XX/XX/XXXX -- I paid the full remaining balance of the loan. The account was officially closed XX/XX/XXXX.
In XX/XX/XXXX, I received a notice from NELNET LOAN SERVICES INC saying I owed {$220.00} and {$150.00} on two private education loans, and that this money was due in 30 days. I had never received any notice from Nelnet before this, not heard of the company.
I called Nelnet in XX/XX/XXXX, to be told that I owed this money still and that XXXX had closed and became Nelnet. I explained that i had paid my loan off full in XX/XX/XXXX, and they said I should call XXXX ( now XXXX ) for more information.
I called XXXX, who said Nelnet should have any information on the account. I was told by Nelnet that they would send me all the information to clarify why these new charges had suddenly appeared 7 years after the full payment date.
I called again on XX/XX/XXXX at XXXX XXXX and talked to another customer service agent on a recorded line and she also promised to send documentation on where this charge came from. I have not received this.
She also said she wouldn't send the {$220.00} and {$150.00} charges to collections for 30 days until we received the written documentation, which I have not received either.
Company Response: Closed with explanation
2019-05-11
Macon, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-05-10
Austin, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2019-05-10
Rochester, NH
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt is not yours
Company Response: Closed with explanation
2019-05-10
Palos Park, IL
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Their investigation did not fix an error on your report
Complaint: The DEPT. Of ED/Nelnet continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account has been refinanced with US DEPT of ED/XXXX and is being listed and reported as a duplicate as it is already a part of my public record reflecting through US DEPT of ED/XXXX and DEPT. of ED/Nelnet has agreed to remove, please refrain from continuing to report this account
Company Response: Closed with explanation
2019-05-10
Port Orange, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc.
I have requested this information over and over and over for years - all to no avail.
Thank you.
Company Response: Closed with explanation
2019-05-10
Port Orange, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc.
I have requested this information over and over and over for years - all to no avail.
Thank you.
Company Response: Closed with explanation
2019-05-09
VA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I have a huge problem with the way that my late payments and balance are being reported with my account. First, they are listing a bigger balance on XXXX versus XXXX. Also I can tell there were problems with my account because there are late payments being reported that are not accurate. Currently, I am being reported as 30 days late on XX/XX/2018 and XX/XX/2018 on XXXX but then XXXX is reporting me as 30 days late on XX/XX/2018 and XX/XX/2018. That doesn't make sense.
Company Response: Closed with explanation
2019-05-09
NH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am currently enrolled in college and my loans are not in repayment status. However, I would really like to keep my loan balance from growing during my enrollment by making small monthly payments. Nelnet does not allow for borrowers to set up auto-debit payments until they are in repayment status. I feel that this goes against all financial education best practices and discourages students from making payments. If auto-debit is an option for some borrowers it should be an option for all. Below is the exact wording from Nelnet when I attempt to set up auto -debit payments.
" You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit.
If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. ''
Company Response: Closed with explanation